free 3 credit reports – score

Question by poonie: When applying for a mortgage, how are the 3 credit scores used?Do they use the average, the middle one, consider all three?Also, I have a 30-day late and a collection account from early 2001. When will these go away?My 3 scores are 694, 714, and 750. I have no other lates or [...]

Question by knightro1985: Do all mortgage lenders look at the middle of your 3 credit scores?I’ve heard there are some “niche programs” that will look at either your highest score or the average of the 3. My middle score is 5 below what it needs to be and all that’s standing between us and this [...]

chrystallec asked: It doesn’t have to be a free site, but my boyfriend and I are attempting to apply for a mortgage, and we wanted to know what our credit looked like before we go to the bank and look like idiots.Yvonne

Money Only asked: We live in a credit oriented world. We all get credit at some point, so it’s hardly surprising to learn that we all have a credit history. If you are curious about your credit rating, and you should be, you can obtain a free credit report from a number of sources. This [...]

1985 & going strong asked: For the past several years, I have encountered difficulty getting the free annual credit report from the credit bureaus. For “security purposes”, they each ask some questions ( 2 or 3) to verify my identity — one always involves a mortgage — and I always give the correct response (I [...]